State Bank of India Relationship Manager Wealth Management Interview Questions and Answers

Q1. Why are you looking for a change?
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Q1. Introduction about the background
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Q2. How will you be useful in the company
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Q3. Are you comfortable for pan india location
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Q4. Are you eager to learn
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Q5. Loyal to the company
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Q1. WHAT YOUR SKILL ,ABILITIES KNOWLEDGE
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Q2. ASK GENRAL QUATION ABOUT ORGANIZATION AND JOB REQUIREMENT
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Q1. What is working capital
Ans. 
Working capital is the difference between a company's current assets and current liabilities.
• Working capital is essential for a company's day-to-day operations.

• It indicates the company's ability to meet its short-term financial obligations.

• Formula: Working Capital = Current Assets - Current Liabilities

• Examples: Cash, accounts receivable, inventory are current assets. Accounts payable, short-term loans are current liabi
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Q2. What is DSCR Ratio
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DSCR Ratio is Debt Service Coverage Ratio, a financial metric used to measure a company's ability to cover its debt obligations.
• DSCR Ratio is calculated by dividing a company's operating income by its total debt service payments.

• A DSCR Ratio of 1 or higher indicates that a company is generating enough income to cover its debt payments.

• Lenders typically look for a DSCR Ratio of 1.25 or higher when evaluating a company's
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Q1. About myself work experience?
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Q2. What is the best opportunity of your opinion?
Ans. 
The best opportunity in my opinion is to leverage technology to streamline operations and improve customer experience.
• Implementing a new CRM system to better track customer interactions and improve communication

• Introducing online banking services to make it easier for customers to manage their accounts remotely

• Utilizing data analytics to identify trends and opportunities for growth

• Investing in employee training and dev
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Q1. About role and responsibilities
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Q2. About my previous job
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Q3. Self introduction - about yourself and your area
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Q1. How's your past organisation experience
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Q1. Tell me about yourself
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Q2. Why are you looking for a change
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Q3. How was your experience with previous employer
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Q1. Detailed analysis of roles and responsibilities of previous employer
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Q1. Discussed about roles and responsibility with previous employer
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Q2. Discussed about what is current employer looking for
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4 rounds of MCQ asked with combination of general science, english, reasoning and situation based questions